Does Jerry Insurance Cover Rental Cars?

When you’re planning a trip, whether for business or leisure, one of the most common questions is: Does my car insurance cover rental cars? If you’re a Jerry Insurance customer, you might be wondering the same thing. The answer isn’t always straightforward, as coverage depends on your policy, location, and even global trends affecting the insurance industry.

Understanding Rental Car Coverage with Jerry Insurance

Jerry Insurance is known for helping drivers find the best auto insurance rates by comparing policies from multiple providers. However, whether your policy covers rental cars depends on the specific coverage you’ve selected.

Types of Coverage That May Apply

1. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW)

   • Some Jerry-partnered insurers include rental car coverage under comprehensive and collision policies.
   • If your personal policy has these, it may extend to rentals, but always verify with your provider.

2. Liability Insurance

   • Most states require liability coverage, which may apply to rental cars.
   • However, minimum state limits might not be enough in case of a major accident.

3. Personal Effects Coverage

   • If your policy includes protection for personal belongings, it might cover items stolen from a rental car.

When Jerry Insurance Might Not Cover Rental Cars

• International Rentals – Many U.S. policies don’t cover rentals abroad.
• Luxury or Exotic Vehicles – Some insurers exclude high-value rentals.
• Rideshare Rentals – If you’re renting for Uber or Lyft, personal insurance may not apply.

How Global Trends Affect Rental Car Insurance

The insurance industry is constantly evolving, and recent global events have reshaped rental car coverage.

1. The Rise of Car-Sharing and Short-Term Rentals

With companies like Turo and Getaround gaining popularity, traditional insurance models are adapting. Some Jerry-partnered insurers now offer hybrid policies that include peer-to-peer rental coverage.

2. Supply Chain Issues & Rental Car Shortages

Post-pandemic, rental car companies faced vehicle shortages, leading to higher rental costs. This has made insurance more critical—some providers now offer gap coverage for rental reimbursement delays.

3. Climate Change and Natural Disasters

With increasing hurricanes, floods, and wildfires, rental car insurance must account for weather-related damages. Some policies now include forced abandonment coverage if a rental car is damaged in a disaster.

Steps to Ensure You’re Covered

Before renting a car, follow these steps:

1. Check Your Existing Policy

• Call your insurer (or use Jerry’s app) to confirm rental coverage.
• Ask about deductibles and coverage limits.

2. Consider a Non-Owner Car Insurance Policy

• If you frequently rent cars, a non-owner policy might be cost-effective.

3. Review Credit Card Benefits

• Many premium credit cards offer rental car insurance as a perk.
• Check for exclusions (e.g., certain countries or vehicle types).

4. Compare Rental Company Insurance

• Rental agencies sell their own coverage, but it’s often expensive.
• Weigh costs against your existing policy.

Final Thoughts

While Jerry Insurance doesn’t underwrite policies itself, it helps customers find the best coverage—which may include rental car protection. Always double-check before hitting the road, especially in today’s rapidly changing insurance landscape. Safe travels!